haha just had to google dave ramsey had never heard of him before ,
But yes I am not on a big income also paying off house and have 2 kids ,so it can be a stress waiting for something to happen that might never come about , so just put the cash aside and if you don't use it your in front , if you do it's not a stress

mines an AUS version 2006 4.4 6spd auto sport ,if someone out there has built a better all round vehicle that just does everything you want it too I would love to drive it because I find it hard to believe it could be any better than an X

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I think it's time to take the warning labels of everything and let nature go back to removing the morons for us.